Lease doc loans
Commercial property finance based on the lease
A lease doc loan lets you buy or refinance commercial property using the property's lease income to show you can repay, instead of full personal or business financials. It suits investors and business owners with a good tenant on a solid lease.
Is this you?
- Investors buying a tenanted commercial property
- Business owners whose tax returns aren't up to date
- Owners refinancing a leased shop, office or warehouse
- SMSF or company buyers with a strong tenant
What you should know
Repayments
Work out monthly, fortnightly or weekly repayments for principal and interest or interest-only loans, and see your balance fall over time.
Calculate nowFigures current as at October 2026. Scheme rules and caps change; we confirm them for your situation.
Our process
Review the lease
We look at rent, term, options and the tenant to see which lenders will consider it.
Compare specialist lenders
We compare rates, fees and maximum loan size across lease doc lenders.
Valuation and approval
We manage the commercial valuation and lender questions.
Settle and review
We review the loan when the lease renews or your financials are up to date.
Frequently asked
What documents do I need for a lease doc loan?
Usually the signed lease, recent rent statements, ID and a declaration about your finances. Requirements vary by lender.
Can I use a lease doc loan for a home?
No. Lease doc loans are for commercial property such as shops, offices and warehouses. For a home, low doc options may suit self-employed borrowers.
Are lease doc rates higher?
Often, because the lender is relying on the lease rather than full financials. We compare lenders to keep the cost down.
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